Texhillco School Employees
Kerrville, TX · Charter 11576 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$26.7MAssets
$22.4MLoans
$23.3MShares
$2.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets in TX (rank 10 of 235).
- Widest gap: equity / assets trails 85% of credit unions under $1B in assets in TX (rank 200 of 235).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.07%
Rank 187 of 235
Net Interest Margin
5.28%
Rank 10 of 235
Efficiency Ratio
94.12%
Rank 189 of 235
Equity / Assets
9.93%
Rank 200 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.07% | 0.17% | 0.57% | 1.10% | Beats 20% | 187 / 235 | |
| Return on Equity | 0.75% | 1.03% | 4.30% | 7.58% | Beats 23% | 182 / 235 | |
| Net Interest Margin | 5.28% | 3.32% | 3.89% | 4.35% | Beats 96% | 10 / 235 | |
| Efficiency Ratio | 94.12% | 70.60% | 82.00% | 91.57% | Beats 20% | 189 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.20% | 0.59% | 1.14% | Beats 49% | 122 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.93% | 11.30% | 14.41% | 19.49% | Beats 15% | 200 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.93% | 11.30% | 14.41% | 19.49% | Beats 15% | 200 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 95.98% | 54.18% | 67.38% | 81.66% | 95th pctl | 12 / 235 | |
| Loans / Assets | 83.76% | 43.80% | 56.63% | 68.64% | 97th pctl | 6 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |